Which card earns more rewards, the IHG One Rewards Credit Card or United Gateway Card?

The IHG One Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the IHG One Rewards Credit Card have that the United Gateway Card doesn't?

The IHG One Rewards Credit Card focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the IHG One Rewards Credit Card or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

IHG One Rewards Credit Card vs United Gateway Card

Both cards cost $0/yr. The IHG One Rewards Credit Card leads on dining; the United Gateway Card on gas stations.

Card data as of November 13, 2026.

Credit card comparison
Overview
	IHG One Rewards Credit Card Chase · No annual fee	United Gateway Card Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	125,000 points	Up to 50,000 miles
Rewards	IHG One Rewards	United MileagePlus
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent
Dining	3x Highest	1x
Gas Stations	3x Highest	2x
Grocery Stores	3x Highest	1x
Ridesharing	2x	2x
Transit	2x	2x
Everything else	2x Highest	1x
Statement creditsAs the issuer states them · — means none on record
Travel	—	25% United inflight
Dining & delivery	DoorDash DashPass $10/mo Instacart+	—
Other credits	—	0% intro APR for 12 months on purchases
Perks & access— means none on record
Hotel status & programs	Gold Elite after $15,000 in calendar-year purchases IHG Silver Elite status 4th Reward Night Free on Points Stays	—
Airline perks	—	Earn 2 checked bag certificates after $10K annual spend
Other perks	$0 Foreign Transaction Fees 30% off reward points	No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Cancellation/Trip Interruption Insurance · up to $5,000	Trip cancellation coverage up to $6,000 per trip
Baggage	Baggage Delay Insurance · up to $100 Lost Luggage Reimbursement · up to $3,000	—
Rental car	—	Rental car insurance (secondary coverage)
Purchase & returns	Purchase Protection · up to $500	Purchase protection up to $500 per item for 120 days
Extended warranty	—	Extended warranty adds 1 year to manufacturer warranty
Pros & cons
Pros	No annual fee with automatic Silver Elite status Fourth night free on reward stays of 4+ nights (from 2027, after $5,000 of annual spend) 3x earning on dining, grocery stores and gas stations 2x earning on all other purchases (above-average base rate) Path to Gold Elite with $15,000 annual spend	No annual fee ever No foreign transaction fees 2x miles on United purchases, gas stations, and local transit/rideshare 25% back on United inflight purchases and Club premium drinks 0% intro APR for 12 months on purchases
Cons	Silver Elite status provides minimal benefits Lower earning rate at IHG properties (5x vs 10x on Premier) Only 5 Elite Night Credits a year No annual free night certificate $15,000 spend requirement for Gold status is steep	No automatic free checked bags (must spend $10K to unlock) No priority boarding Lower earn rates than premium United cards (2x vs 3x to 5x on United) No Global Entry/TSA PreCheck credit No annual travel credits
	Card details	Card details

IHG One Rewards Credit Card
Chase · No annual fee
United Gateway Card
Chase · No annual fee

Overview

Annual fee: IHG One Rewards Credit Card
$0
United Gateway Card
$0
Welcome offerCurrent public offer: IHG One Rewards Credit Card
125,000 points
United Gateway Card
Up to 50,000 miles
Rewards: IHG One Rewards Credit Card
IHG One Rewards
United Gateway Card
United MileagePlus
Foreign transaction fee: IHG One Rewards Credit Card
None
United Gateway Card
None
Network: IHG One Rewards Credit Card
Mastercard World Elite
United Gateway Card
Visa Signature

Earn ratesPer $1 spent

Dining: IHG One Rewards Credit Card
3x
Highest
United Gateway Card
1x
Gas Stations: IHG One Rewards Credit Card
3x
Highest
United Gateway Card
2x
Grocery Stores: IHG One Rewards Credit Card
3x
Highest
United Gateway Card
1x
Ridesharing: IHG One Rewards Credit Card
2x
United Gateway Card
2x
Transit: IHG One Rewards Credit Card
2x
United Gateway Card
2x
Everything else: IHG One Rewards Credit Card
2x
Highest
United Gateway Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: IHG One Rewards Credit Card
—
United Gateway Card
25% United inflight
Dining & delivery: IHG One Rewards Credit Card
DoorDash DashPass
$10/mo Instacart+
United Gateway Card
—
Other credits: IHG One Rewards Credit Card
—
United Gateway Card
0% intro APR for 12 months on purchases

Perks & access— means none on record

Hotel status & programs: IHG One Rewards Credit Card
Gold Elite after $15,000 in calendar-year purchases
IHG Silver Elite status
4th Reward Night Free on Points Stays
United Gateway Card
—
Airline perks: IHG One Rewards Credit Card
—
United Gateway Card
Earn 2 checked bag certificates after $10K annual spend
Other perks: IHG One Rewards Credit Card
$0 Foreign Transaction Fees
30% off reward points
United Gateway Card
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: IHG One Rewards Credit Card
Trip Cancellation/Trip Interruption Insurance · up to $5,000
United Gateway Card
Trip cancellation coverage up to $6,000 per trip
Baggage: IHG One Rewards Credit Card
Baggage Delay Insurance · up to $100
Lost Luggage Reimbursement · up to $3,000
United Gateway Card
—
Rental car: IHG One Rewards Credit Card
—
United Gateway Card
Rental car insurance (secondary coverage)
Purchase & returns: IHG One Rewards Credit Card
Purchase Protection · up to $500
United Gateway Card
Purchase protection up to $500 per item for 120 days
Extended warranty: IHG One Rewards Credit Card
—
United Gateway Card
Extended warranty adds 1 year to manufacturer warranty

Pros & cons

Pros: IHG One Rewards Credit Card
No annual fee with automatic Silver Elite status
Fourth night free on reward stays of 4+ nights (from 2027, after $5,000 of annual spend)
3x earning on dining, grocery stores and gas stations
2x earning on all other purchases (above-average base rate)
Path to Gold Elite with $15,000 annual spend
United Gateway Card
No annual fee ever
No foreign transaction fees
2x miles on United purchases, gas stations, and local transit/rideshare
25% back on United inflight purchases and Club premium drinks
0% intro APR for 12 months on purchases
Cons: IHG One Rewards Credit Card
Silver Elite status provides minimal benefits
Lower earning rate at IHG properties (5x vs 10x on Premier)
Only 5 Elite Night Credits a year
No annual free night certificate
$15,000 spend requirement for Gold status is steep
United Gateway Card
No automatic free checked bags (must spend $10K to unlock)
No priority boarding
Lower earn rates than premium United cards (2x vs 3x to 5x on United)
No Global Entry/TSA PreCheck credit
No annual travel credits

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The IHG One Rewards Credit Card wins in 4 of 4 categories. The United Gateway Card leads in 0.

Dining

IHG One Rewards Credit Card earns 3X vs 1X

Gas Stations

IHG One Rewards Credit Card earns 3X vs 2X

Grocery Stores

IHG One Rewards Credit Card earns 3X vs 1X

Everyday purchases

IHG One Rewards Credit Card earns 2X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	IHG One Rewards Credit Card	United Gateway Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $173 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $188 Year one: $938	Rewards: $158 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $158 Year one: $638	IHG One Rewards Credit Card	IHG One Rewards Credit Card
Heavy spender: $4,000/month	Rewards: $691 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $706 Year one: $1,456	Rewards: $634 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $634 Year one: $1,114	IHG One Rewards Credit Card	IHG One Rewards Credit Card

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing IHG One Rewards Credit Card means losing:

-Free checked bags

Which Card Is Right for You?

Get the IHG One Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores
+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the IHG One Rewards Credit Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the IHG One Rewards Credit Card or United Gateway Card?: The IHG One Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the IHG One Rewards Credit Card have that the United Gateway Card doesn't?: The IHG One Rewards Credit Card focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the IHG One Rewards Credit Card or the United Gateway Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

IHG One Rewards Credit Card — Full Review All Chase Cards

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.